- This topic has 7 replies, 5 voices, and was last updated 4 years, 11 months ago by keattila.
July 7, 2012 at 11:45 am #1430
I have an Erste account and although it is somewhat more expensive than in other EU countries, the service, level of English is OK. I only have a basic account and a Maestro Bank card.
This is OK for ATM use, paying in shops, etc however it cannot be used on the internet as this debit card does not have a proper embossed 16 digit number.
Does anyone know about a DEBIT CARD in AT that can be used on the net? Erste does not seem to offer one :confused:
Your advice is appreciated, thanks,
AttilaJuly 8, 2012 at 9:02 pm #2046chefsmithMember
They offer a visa debit card, I have one.
They will give you a salary dependent limit, but it will normally have to be paid back in full at the start of each month.
The costs for this card are minimal as long as you don’t withdraw cash….
Its kinda a cross between a debit card and a normal credit card….July 9, 2012 at 12:12 pm #2047
Strange, they only offered a credit card to me.
However, my salary at this time is not paid to this Erste account, could this be the reason?
Any other experience/advice?
ThksJuly 9, 2012 at 8:55 pm #2048Mike_SIUMember
The credit card you are talking about is what chefsmith is referring to.
It’s a credit card, with a visa of MasterCard logo that you can use online. However unlike conventional credit cards you have to pay it off in full each month.
They don’t offer debit cards in the American sense with the visa logo on them linked directly to your bank account. none that I am aware of anyway. I also use sparkasse (erstebank)July 10, 2012 at 10:32 am #2049
thanks a lot!
I might just give Erste another shot and ask them about thisJuly 11, 2012 at 4:11 pm #2050HimeMember
Most online service I have used offers debit bank card for Austria.
Amazon, eBay, Steam, Blizzard (world of warcraft), etc… (sorry I am a gamer)
They usually have a log-in prompt to your online banking afterwards to book the amount. I used to use Bank Austria, but I suggest Bawak as a friend told me they do not charge fees for having the account, but I cannot tell you if that’s true or not since I never had an account myself.
I am sure whatever service you use that’s available in Austria should have the same. My husband even said “there’s not many commoners in Austria with a credit card.”July 11, 2012 at 5:06 pm #2051Mike_SIUMember
I think what you are referring to is the service Sofortüberweisung
Where you initiate a payment, are directed to the third party website, and then enter your online banking details. You get a confirmation sms with the TAN number you need to enter to confirm it.
I’ve used this a few times.
Regarding your comment with credit cards. My colleagues all have credit cards, but don’t use them unless they absolutely have to.
My wife’s parents never have had a credit card. I think the demographic is changing as marketing of cards increase and the younger generation here buys into materialism a bit more.
Austrians in my experience have a very solid fear of taking on any debt. Myself, although I earn decently, always end up with an empty bank account at the end of the month. My wife puts away 1000+ each month.
Needless to say our finances are completely separated 🙂
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